Accident, Sickness and Unemployment
This cover provides short term financial support if you cannot work due to illness, injury, or redundancy. It helps you keep up with your bills while you recover or find new employment.
When should I think about Accident, Sickness and Unemployment Insurance?
It’s worth thinking about this type of cover any time your regular income is essential for meeting monthly commitments such as your mortgage, rent, or household bills. Most people consider it when buying a home, changing jobs, or becoming self-employed - times when financial stability matters most.
It’s designed to give you short-term financial protection if you’re unable to work due to illness, an accident, or redundancy. If you rely on your income to keep things running smoothly, it’s an important safeguard to have in place.
Why is Accident, Sickness and Unemployment Insurance important?
If something unexpected stops you from working, this type of insurance provides a regular monthly income for a set period - usually 12 to 24 months - helping you stay on top of your bills and commitments while you recover or get back on your feet.
It can make the difference between managing comfortably or struggling financially during a period of uncertainty. Having this cover in place means you can focus on finding your next opportunity or getting better, without the stress of worrying about how to keep up with your payments.
What if I do not have Accident, Sickness and Unemployment Insurance?
Without this cover, a sudden loss of income could quickly put pressure on your finances. You might have to rely on savings, sick pay, or government support - which may not be enough to cover essential costs like your mortgage, rent, or household bills.
In some cases, it could even risk your home or credit rating if payments are missed. Having Accident, Sickness and Unemployment Insurance provides breathing space during difficult times, giving you the financial support to focus on recovery or job hunting without the added burden of money worries.
Talk to us about this valuable insurance...
Ready to take the next step? Get in touch with the KeyFS team today to talk through your options. We’ll listen, understand your needs, and help you find the right protection to give you and your family complete peace of mind.
Insurance answers
We know talking about insurance isn’t always easy, but protecting your family’s future is one of the most important financial decisions you can make. At KeyFS, we’re here to make it simple, clear, and completely transparent.
Paul and Aynsley help families every day to find cover that gives peace of mind - whether that’s life insurance, critical illness cover, or income protection. Below, we’ve answered some of the most common questions people ask when thinking about protecting the people who matter most.
An accident or illness that keeps you out of work for months could cause serious financial strain. ASR insurance helps replace your income during this period, so you can focus on recovery instead of money worries.
Redundancy can happen unexpectedly. Without protection, you may struggle to keep up with commitments. This type of cover provides breathing space, giving you time to find your next role without added financial stress.
Many people only have a few months of savings. ASR cover gives you a monthly income to help keep on top of your mortgage, rent, or other living costs while you get back on your feet.
If you couldn’t work due to illness, injury or losing your job, your income could stop but your bills wouldn’t. Without cover, you’d need to rely on savings or state benefits, which may not be enough.
It's time to make the right choice for yourself and your family.
Choosing the right protection can feel overwhelming, especially with so many types of cover and insurers to choose from. That’s why taking expert advice matters.
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We offer free, no-obligation advice on products from a panel of leading insurers, helping you understand what you really need, what you don’t, and which options offer the best value for your circumstances.